PackageTrendsPeer
Letter portraitLegal landscape

Beauregard Federal Savings Bank

Deridder, LA · Cert 30339 · Homeland Bancshares Inc.

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

38

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Beauregard Federal Savings Bank

Deridder, LA · Cert 30339 · Homeland Bancshares Inc.

State savings bank · OCC · 2 affiliate banks · 2 branches (8 in holding)

Q2 2026

$106.4MAssets
$83.2MLoans
$84.9MDeposits
$12.1MEquity
Loan mix
85%RE $66.6M9%C&I $6.9M6%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $80.5M5%Noninterest $4.5MQ2 2025Q2 2026

NIM

6.16%Q2 ’246.10%Q2 ’256.49%Q2 ’26-4%+2%

Non-interest income vs. expense

4.08%Q2 ’244.03%Q2 ’253.38%Q2 ’26+5%-16%

Executive Summary

  • Earnings: ROA of 0.90%, up 52 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 3.36% of loans (-183 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.70%, down 125 bps from a year ago.
  • Funding: loans stand at 97.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+52 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+9 bps YoY

Efficiency Ratio (YTD, annualized)

68.26%-1,193 bps YoY

Tier 1 Leverage Ratio

9.70%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.41%0.62%0.96%0.90%+52 bps
Return on Equity2.83%3.12%4.89%8.24%7.74%+491 bps
Net Interest Margin4.49%4.07%4.20%4.74%4.59%+9 bps
Efficiency Ratio80.19%79.44%73.24%67.15%68.26%-1,193 bps
Non-Interest Burden3.84%3.45%3.28%3.37%3.22%-62 bps
Growth
Asset Growth (YoY)10.16%23.06%22.60%28.11%22.43%+1,227 bps
Loan Growth (YoY)30.27%28.42%36.11%38.64%25.97%-430 bps
Deposit Growth (YoY)-0.79%12.45%15.80%22.56%28.04%+2,882 bps
Asset Quality
Nonperforming Loans / Loans5.18%4.27%2.85%2.38%3.36%-183 bps
Net Charge-Offs / Loans0.10%0.41%0.32%0.00%0.03%-7 bps
Allowance / Loans1.12%0.84%0.81%0.79%0.81%-31 bps
Allowance Coverage of NPLs0.2x0.2x0.3x0.3x0.2x0.0x
Capital
Tier 1 Leverage Ratio10.95%9.95%10.04%9.77%9.70%-125 bps
Total Risk-Based Capital10.95%9.95%10.04%9.77%9.70%-125 bps
Equity / Assets12.89%12.16%11.78%11.60%11.38%-151 bps
Liquidity & Funding
Loans / Deposits99.53%94.38%94.87%95.08%97.92%-161 bps
Liquid Assets / Assets16.89%19.19%18.50%17.66%16.17%-72 bps
CRE / Total Capitaln/a218%239%222%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Beauregard Federal Savings Bank

Deridder, LA · Cert 30339 · Peer group: banks under $1B in assets (n=581-629) · Homeland Bancshares Inc.

State savings bank · OCC · 2 affiliate banks · 2 branches (8 in holding)

Q2 2026

$106.4MAssets
$83.2MLoans
$84.9MDeposits
$12.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks under $1B in assets (rank 58 of 629).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets (rank 548 of 581).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.87%

Rank 386 of 629

Net Interest Margin

4.59%

Rank 58 of 629

Efficiency Ratio

72.64%

Rank 391 of 629

Equity / Assets

11.38%

Rank 264 of 629

Non-interest income vs. expense

$0.2M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 38% of banks under $1B in assets
Bank 72.64%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.60%1.01%1.45%Beats 39%386 / 629
Return on Equity7.63%5.38%9.30%13.28%Beats 37%397 / 629
Net Interest Margin4.59%3.03%3.54%4.05%Beats 91%58 / 629
Efficiency Ratio72.64%58.35%67.79%79.08%Beats 38%391 / 629
Asset Quality
Nonperforming Loans / Loans3.36%0.09%0.46%1.20%Beats 6%548 / 581
Net Charge-Offs / Loans0.08%n/a0.01%0.06%Beats 21%459 / 581
Capital
Tier 1 Capital Ratio9.70%11.24%13.84%18.77%Beats 8%579 / 629
Total Risk-Based Capital Ratio9.70%11.58%14.43%19.66%Beats 8%581 / 629
Equity / Assets11.38%9.09%10.65%13.80%Beats 58%264 / 629
Liquidity & Funding
Loans / Deposits97.92%67.24%80.90%93.48%82nd pctl105 / 594
Loans / Assets78.13%53.31%67.71%78.15%75th pctl160 / 629
Brokered Deposits / Depositsn/aNot reported for this institution